RM-Emerging Corporate Group

Who you will work with :

- Companies with turnover more than Rs 200 crores

- Unit head and product teams

Core Responsibilities :

- Business development - Products that will earn the Bank a core income by of net-interest income and commission income

- Cross sell of products other than core income products

- Portfolio management of 30-35 working capital relationships

- To be a brand ambassador of the Bank

KEY RESPONSIBILITIES :

Business Development :

- Acquiring new corporate customers through sale of products such as working capital facilities (including import and export finance), long term capital expenditure funding, current and savings accounts, fixed deposits, non-funded credit facilities like letters of credit and bank guarantees, cash management services, foreign exchange services and digital banking products

- Achieving business targets on volumes and profitability for specific ECG customers

- Identification of possible wallet share of each product and scoping of all accounts - existing and potential NTB customers

- Regular calling on clients, both existing and prospective; calling to be done in a structured manner either individually or with support groups, branches or supervisors

- Updation of calls in CRM systems to obtain guidance from supervisors, for monitoring of accounts and for assigning tasks & leads to support departments

- Adhering to and implementation of guidance received from senior management

- Appraisal and recommendation of credit limits

- Improving Bank's yield to bring about a high return on capital on the portfolio

- Tracking of performance at regular intervals to monitor variance with budgets; creation and implementation of plans to meet income shortfalls for the portfolio

Cross sell of products :

- To be the face of the Bank for all products that a customer might require

- Cross sell of all products of the Bank

- Promotion of digital platforms of the Bank like Enet/NetBanking, Trade-on Net, Mobile Banking, PayZapp, Insta Alert, Smart Buy, Chillr etc

Customer relationship management :

- Relationship building with both internal and external customer of the RM. Client satisfaction and taking care of all banking needs of the customer

- Interaction with promoters and senior management of corporates to build a strong and lasting relationship

- Ensuring high levels of client satisfaction through every interaction with the client

- Management of stressed and critical accounts and remedial management - includes managing exits, line reductions, recovery and restructuring of exposures

- Implementation of Know-Your-Customer and Anti-money Laundering policies of the Bank

- Communication of all pain areas of the customer to support functions for resolution through process improvement and improvement of turn-around-times

Coordinating with internal and external stakeholders

- Team management - functioning as a support to fellow team members as and when required

- Interacting with other departments of the Bank; providing them with insight on ECG business; seeking inputs on their business for cross sell of products to customers

- Carrying out regular reviews with cross-functional teams and product groups for improving product penetration

- Supporting the completion of documentation formalities for disbursement of facilities or banking products

- Managing due and overdue documentation and coordinating the updation of all information as per RBI and credit regulations

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